key details about the Kisan Credit Card:

• Eligibility: All farmers, including individuals, joint borrowers, self-help groups, and tenant farmers, are eligible to apply for a Kisan Credit Card. The eligibility criteria may vary slightly between different banks and lending institutions.
• Purpose: The KCC provides credit for agricultural activities, including crop production, allied activities, and post-harvest expenses. It also covers expenses related to the purchase of agricultural inputs, farm machinery, irrigation equipment, and other productive assets.
• Credit Limit: The credit limit for Kisan Credit Cards depends on the borrower's cropping pattern, scale of finance, and the estimated cost of cultivation. The limit is usually based on the value of the land, the type of crops grown, and the farmer's repayment capacity. The credit limit can be revised and enhanced based on the farmer's repayment history.

• Validity: The Kisan Credit Card is usually valid for a period of five years and can be renewed thereafter.

Features:

● The KCC provides a flexible credit facility, allowing farmers to withdraw funds as per their requirements.
● Farmers can access credit through various channels, including ATM withdrawals, through the bank branch, or using the card as a debit card for purchases.
● The interest rate for Kisan Credit Cards is usually lower compared to other agricultural loans.
● Farmers are provided with a grace period for repayment, typically aligned with the crop harvesting and selling period.
● Some KCCs also offer insurance coverage for crops and assets, providing protection against unforeseen events.

Application Process:

Farmers can apply for a Kisan Credit Card at their nearest bank branch or through online application portals. They need to submit relevant documents, such as proof of identity, address proof, land ownership documents, and other required details.